Life insurance

It’s the most natural feeling in the world to want to make sure your little monsters are always well cared for and secure. But have you ever considered how your loved ones would cope with the costs of day to day living if you were no longer around? That’s where life insurance can help you look after your nearest and dearest, whatever the future holds.

Types of cover

Life Insurance

Your chosen cash sum could be paid out if you die during the length of the policy. It could be used to help protect the family's lifestyle and everyday living expenses or help to pay the mortgage (interest only).

Decreasing Life Insurance

Designed to help protect a repayment mortgage so the amount of cover reduces roughly in line with the way a repayment mortgage decreases. Meaning your loved ones could continue to live in the family home without worrying about the mortgage.

Life insurance is not a savings or investment product and has no cash value unless a valid claim is made.

If your life insurance is to cover your mortgage, your policy may not completely pay off your outstanding mortgage unless your amount of cover is adjusted to match any new mortgage arrangements. If you have Decreasing Life Insurance you must also check that the interest rate applied to your mortgage does not become higher than the interest rate applied to your policy.

What's not covered?

You won't be covered if within the first year of the policy, you die as a result of suicide or, intentional and serious self-injury or, an event where, in our reasonable opinion, you took your own life

You won't be covered if the terminal illness does not meet our definition

You won't be covered if the premiums under the policy are not up to date

Ready to help protect your family?

Terms & Conditions

If you buy Life Insurance or Decreasing Life Insurance with or without Critical Illness Cover, you’ll be entitled to a £30 M&S e-Gift Card plus a 10% premium discount when you apply online or by phone. Please read the following terms and conditions before you apply:

This offer is only available to customers who take out a Legal & General Life Insurance or Decreasing Life Insurance policy, with or without Critical Illness Cover, online or via the telephone.

You will be eligible for your e-gift card six months after your policy start date, provided you haven’t cancelled your policy and your payments are fully up to date. A letter or email will be sent to you with details of how to redeem your e-gift card, please allow 30 days from your policy start date for delivery of this communication.

This offer is not available to Cashback customers. Cashback customers are customers who receive a cash sum when they buy a Legal & General Life Insurance or Decreasing Life Insurance policy via a Cashback website.

This offer is only available if you apply directly to Legal & General. If you apply via a Financial Adviser, or through any other website that isn’twww.legalandgeneral.com, such as a comparison site you will not be eligible for this offer.

If you have previously held and cancelled a Legal & General Life Insurance or Decreasing Life Insurance policy, with or without Critical Illness Cover within the last 18 months, you will not be eligible for this offer.

Legal & General reserves the right to cancel your Legal & General Life Insurance or Decreasing Life Insurance policy or your eligibility for a e-gift card should we discover or have a reasonable suspicion that the terms and conditions of this offer are being abused.

This offer is limited to one e-gift card per policy sold.

You have twelve months from your policy start date to claim your e-gift card or you will not be eligible for this offer.